RV Insurance In Edmonton
Before the short summer months slip away, you want to plan a road trip that makes the season worthwhile. Whether you’re travelling across the country or planning a day trip around Edmonton, one thing remains the same: You’ll need Edmonton RV insurance.
At Westland Insurance, our goal is to help you find an insurance policy that fits your lifestyle and your budget. Our advisors can help you purchase insurance for your:
- Tent trailer
- Motorhome
- Travel trailer
- Towing vehicle
- Camper
- Fifth wheel RV
Interested in learning more about your insurance options? We understand that each RV is unique; you need insurance that’s tailored to meet your needs. Here’s what you can expect from your RV insurance in Edmonton, Alberta:
What Does RV Insurance Cover?
Before you choose an RV insurance policy, you want to know what kinds of insured losses it includes. While each individual policy varies, your stand-alone RV policy may include:
- Third-party liability
- Accident benefits
- Physical damage coverage (collision, fire, theft, or hail damage)
- Contents coverage
- Premises liability coverage
- Roadside assistance
If your motorhome needs repairs, RV insurance may cover the cost of temporary living arrangements (like staying in a hotel) while it’s unusable due to an insured loss.
What Doesn't It Cover?
With some motorhomes, the total value of the contents can be tens of thousands of dollars (for example, if you have a flat-screen TV, gaming setup, or high-end stereo system). The cost to replace these belongings may fall outside your policy limits.
You want to make certain that you have the right coverage for your vehicle. We recommend that you add up the total value of your items to gauge the accuracy of your insurance coverage.
If you require specialized coverage for your travel trailer, motorhome, or tent trailer, let us know; our insurance advisors can help find a policy that fits your needs.
How Much Does RV Insurance Cost?
Trying to estimate the price of your motorhome or travel trailer insurance? The cost of your RV insurance is affected by several factors, including:
- Driving & insurance history
- Value of your RV contents
- The type of motorhome, travel trailer, or RV that you drive
- Usage patterns
- Deductible
- Increased policy limits
Are you interested in extending your coverage? Contact Westland Insurance today to talk about additional coverage or increasing your policy limits.
Who Needs To Buy RV Insurance?
Driving an RV without insurance is just as risky as driving an uninsured car—given the value of a motorhome, it may be even riskier. Whether your recreational vehicle is brand-new with a luxurious interior, or it’s been in the family for a generation or two, you need the protection that RV insurance has to offer. Here’s how insurance differs between motorhomes and trailers:
Just like any car with a motor, you’ll need both third-party liability and accident benefits to protect your RV when you’re out on the road. If you are responsible for an accident, third-party liability will help you cover the costs of property damage, medical expenses, and legal expenses.
Accident benefits coverage offers financial assistance to those injured in a collision, regardless of who is at fault. It can cover funeral costs, compensation for loss of income, and rehabilitation expenses.
When you’re purchasing RV insurance for a fifth wheel or travel trailer without a motor, your auto policy will extend to it while it’s being towed. However, you’ll need additional coverage for physical damage (including collision, fire, or theft).
Claims Example
An RV awning protects your vehicle from water or snow damage. If the awning is damaged by strong winds, it will cost upwards of $1,500 to replace. Cover the cost of physical damage with vehicle insurance.
Request an Insurance Quote Today!
At Westland Insurance, we’re here to answer any questions you might have about your insurance coverage. Get ready for your next adventure by insuring your RV in Edmonton, Alberta. We offer service in the following locations:
Are you interested in purchasing insurance for your RV, motorhome, or travel trailer? Our insurance advisors are here to help. To request an insurance quote, contact us today!
We’re Here to Help
Whether you’re looking for insurance for your first home or wanting to discuss your existing policy, our team is ready to help. Connect with us today.
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